Mortgage advice made clear
Regulated mortgage and protection advice, tailored to your circumstances, with straightforward support from first chat to completion.
- First-time buyer mortgages
- Remortgages and moving home
- Self-employed and adverse credit
- Protection advice
Your home may be repossessed if you do not keep up repayments on your mortgage.
How we can help
First-time buyer mortgages
Clear, honest advice to help you buy your first home with confidence.
Remortgage advice
Review your current deal and explore options that suit your needs.
Moving home
Whether upsizing, downsizing, or relocating, we can help.
Adverse credit mortgages
Clear, considered advice when credit history is complex.
Self-employed mortgages
Guidance on lender requirements for the self-employed.
Protection advice
Helping protect what matters most to you and your family.
First-time buyer mortgages made simple
Buying your first home doesn't have to be complicated. At CLR Financial Services, we provide clear, honest mortgage advice to help first-time buyers secure the right mortgage with confidence.
If you're unsure about deposits, affordability, or where to start, we'll guide you step by step.
We help you understand:
- How much you can realistically borrow
- What deposit you'll need
- Which mortgage options suit you
- How the buying process works
Remortgage advice – clear options, informed decisions
A remortgage can help you review your current mortgage and ensure it continues to meet your needs, particularly when your existing deal is coming to an end.
You may wish to review your mortgage if:
- Your fixed or discounted rate is ending
- You want to review your monthly payments
- You're considering raising funds for home improvements
- Your circumstances or future plans have changed
Moving home? We can help
Whether you're upsizing, downsizing, or relocating, we can help you understand:
- How much you may be able to borrow
- Whether your existing mortgage can be ported
- What mortgage options may be available
- How the timing of a move may affect your mortgage
Our role is to provide advice and support tailored to your personal circumstances.
Mortgages for adverse credit
Having a history of adverse credit does not automatically mean a mortgage is unavailable. Many lenders consider applications individually, taking into account the type, severity, and timing of any credit issues.
Adverse credit may include:
- Missed or late payments
- Defaults
- County Court Judgments (CCJs)
- Debt Management Plans
- Individual Voluntary Arrangements (IVAs)
- Bankruptcy (historic)
Self-employed mortgage advice
Being self-employed doesn't mean getting a mortgage is out of reach. Each lender has its own criteria. When reviewing an application, lenders may consider:
- Net profit (sole traders and partnerships)
- Salary and dividends (limited company directors)
- Contract income (contractors, subject to criteria)
- Length of trading history
- Consistency and sustainability of income
Protection advice – protecting what matters most
Taking out a mortgage is a long-term financial commitment. Protection insurance can help provide financial support if your circumstances change due to illness, injury, or death.
Types of protection we advise on:
- Life insurance – pays a lump sum on death or terminal illness diagnosis
- Critical illness cover – lump sum on diagnosis of a specified serious illness
- Income protection – regular income if unable to work due to illness or injury
Protection insurance is subject to eligibility, underwriting, and policy terms and conditions.
Why use CLR Financial Services?
Advice based on your personal circumstances
Clear explanations of costs, features, and risks
Access to a wide range of lenders
Ongoing support throughout the process
What our clients say
I'm incredibly grateful to Cheryl for helping me with my remortgage for debt consolidation. I had previously been working with another mortgage advisor, but the process was slow and I felt like things weren't progressing, which was adding to an already stressful situation. Cheryl was recommended to me, and I'm so glad I made the switch. Within just two weeks, she had my remortgage completed with a high street lender, with no issues at all around borrowing. She quickly understood my circumstances and made what felt like a difficult situation much more manageable. Cheryl made the whole process straightforward, smooth, and completely stress-free. She was professional, efficient, and supportive throughout, keeping me informed every step of the way. I genuinely can't recommend Cheryl highly enough, especially for anyone considering a remortgage for debt consolidation. I will definitely use her services again in the future.Remortgage client
I would highly recommend Cheryl to anyone looking for a trustworthy, reliable, and dedicated mortgage advisor.Mortgage client
Anyone looking for life insurance or mortgage advisor we could not recommend Cheryl Roulston enough. After sorting our life insurance out for us we went back to her for our mortgage renewal. She managed to get us the best deal possible with a quote the same day, answered all our endless questions & thankfully not had to do a thing ourselves! Absolute godsend can't thank you enough.Life insurance & mortgage client
Just want to say a big thank you to Cheryl for helping me sort my mortgage as a first-time buyer. She made it such a stress free and smooth process. If anyone is looking into buying their 1st home or needing advice, get in touch with Cheryl.First-time buyer
Cheryl was very professional and motivated to get me the best possible deal. She was excellent at explaining all the processes and kept me fully updated by email and text as to what was happening.Mortgage client
I would highly recommend Cheryl to anyone looking for a trustworthy, reliable, and dedicated mortgage advisor.Mortgage client
Ready to talk?
Book a consultation or request a callback and we'll guide you through your options.
CLR Financial Services is regulated by the Financial Conduct Authority: FRN 1013074
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Mortgage advice is subject to eligibility and lender criteria. A fee may be charged for mortgage advice.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
CLR Financial Services is a trading style of Cheryl Roulston, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. The Right Mortgage Ltd is registered in England and Wales no. 08130498. Registered Address: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.